| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD. STE 315 CHARLOTTE, NC 28211 | UNUM INSURANCE COMPANY OF AMERICA | $19K | $1K | $20K | 10.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $589 | $12K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | EYE MED | $2K | — | $2K | 8.32% |
| CAPITAL EMPLOYEE BENEFIT ADVISORS3 | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $376 | $1 | $377 | 5.89% |
| CAPITAL EMPLOYEE BENEFIT ADVISORS3 | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 5.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $186K |
| MEDCOST EIN 22-2360010 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $30K |
| FIRST HEALTH EIN 20-1736473 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $207 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $177K |
| Vision | EYE MED | 526 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 527 | $266K |
| Short-term disability | UNUM INSURANCE COMPANY OF AMERICA | 527 | $188K |
| Long-term disability | UNUM INSURANCE COMPANY OF AMERICA | 527 | $188K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 76 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.